Personal Loans · Memphis, Tennessee
15 credit unions in Memphis report personal loan rates to the NCUA. Rates range from 9.25% to 16.00%.
Updated Q1 2026 · NCUA Call Report data
15
CUs Reporting Rates
9.25%
Lowest Rate
12.96%
City Average Rate
15 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | FEDTRUST ★ 4.8 · 4 reviews | 9.25% | 11.00% |
| 2 | MEMPHIS CITY EMPLOYEES ★ 3.9 · 40 reviews | 9.75% | 7.90% |
| 3 | KIMBERLY CLARK ★ 4.0 · 31 reviews | 9.99% | 8.99% |
| 4 | FEDEX EMPLOYEES CREDIT ASSOCIATION ★ 3.1 · 94 reviews | 9.99% | 9.90% |
| 5 | MEMPHIS MUNICIPAL EMPLOYEES ★ 3.7 · 42 reviews | 11.03% | 9.99% |
| 6 | F A A ★ 4.3 · 15 reviews | 12.50% | 12.25% |
| 7 | CN/IC EMPLOYEES ★ 4.2 · 5 reviews | 13.95% | 14.90% |
| 8 | KELLOGG MEMPHIS EMPLOYEES ★ 4.8 · 6 reviews | 14.00% | 12.70% |
| 9 | TVA MID-SOUTH ★ 2.3 · 13 reviews | 14.00% | — |
| 10 | DELTA REFINING CO EMP ★ 3.9 · 28 reviews | 14.10% | — |
| 11 | ORION ★ 3.6 · 57 reviews | 14.49% | 17.99% |
| 12 | KENNEDY VA EMPLOYEES ★ 4.8 · 13 reviews | 14.83% | 14.00% |
| 13 | UPS EMPLOYEES ★ 4.6 · 15 reviews | 15.00% | 12.90% |
| 14 | BULAB EMPLOYEES ★ 1.0 · 1 reviews | 15.54% | — |
| 15 | L G & W ★ 3.8 · 10 reviews | 16.00% | 7.90% |
If you have high-rate credit card balances, a personal loan from a Memphis credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.